Recently, I saw a post in a foreign trade forum:
Personal description of foreign traders:
“The customer has cooperated for more than two years, and last year, he also gave about seven cabinets. This year, I obviously felt that their sales volume was not very good. Before the first cabinet was delivered, the customer arranged a second cabinet. Since the second cabinet did not receive the deposit, and now it is time to deliver the goods, the customer also sent me a full payment memo, but the payment for the goods was not received. The customer wants to catch up with these railway flights. If he can't catch up, his biggest customer may consider replacing him to buy things from other suppliers, and the cooperation between me and him will be meaningless. There is a problem about whether to deliver the goods, Sinosure has a small amount of micro insurance, and the maximum compensation is 100000 dollars. But the payment terms we talked about before were 30% down payment and 70% balance payment before delivery. Because in the later period, we did the goods without receiving the customer's deposit, and arranged the delivery without receiving the balance payment, so China Export & Credit Insurance Corporation may not compensate, right? Thank you very much for your valuable suggestions. Thank you!”
As soon as the post was posted, some netizens left a message below, calling the trader who posted the post to run~
Someone said: "The customer's logic is completely unreasonable. If you make a mistake, you will work for nothing for two years."
Someone said: "It is recommended to deliver the goods after receiving the payment. The remittance sheet can be forged!!"
Yes, among the classic foreign trade scams, there is also a place for "fake remittance sheets"!
For example, the building owner in the above post, although the old customers who have cooperated for many years are still ordering, the remittance is getting more and more untimely. Every time they urge, the other party will throw over a memo. But after inquiry, they found that there is no remittance at all. Some foreign traders will directly deliver goods because they are afraid of losing customers, and the result is that money and goods are lost
Faced with this situation, we foreign traders must remember: no payment, no delivery!
As a matter of fact, there is not only one type of fraud for fake remittance sheets. Foreign traders will be caught if they are not careful!
Foreign trader J met Indonesian customer H at a stone exhibition. At that time, the two talked happily at the exhibition. H said that he liked a stone product of his company, but he didn't say he wanted to order it at that time. He only said that he would contact him after returning home.
H contacted J shortly after returning home, but he said that he was interested in another rare stone product of his company, and flew to J's stone factory to visit in order to express his sincerity, and also placed an order for a cabinet.
However, when the customer returned to Indonesia, he told J that the delivery time was too long and whether it could be delivered in three days.
J said: "I felt very strange at that time. It was not possible to deliver the products in three days. He then asked me if I had any stock. I told him that each customer wanted different specifications for this kind of board, so there could be no stock. He didn't say anything after listening to this, and then after more than ten days, he told me that he would place an order."
This time H didn't break his promise, and soon told J that he had remitted the money and faxed the bank remittance slip to her. After seeing the remittance sheet, J was ready to arrange production. However, the company's finance reminded her that it was safer to prepare for production after the money arrived.
As a result, H's deposit didn't arrive, and he couldn't find anyone on the phone. J vaguely felt that something was wrong, so he paid attention to the bill.
She said: "I can't find any stamp on this memo. Although it is a fax, other words are clearly visible. Why can't I see the bank's stamp?"
J immediately shows the remittance sheet to the company's finance department. After a careful look, the accountant told her that the customer should have faxed only the remittance application form without a seal. That is to say, H just went to the bank to get the remittance application form and filled it out, but he did not return the application form to the bank, but directly faxed it to J.
Editor's note: For general bank remittances, you need to fill in an application form first, and then give the money you want to remit to the bank. After the remittance, the bank will give you a remittance slip, which must be stamped. The application form will not be given to you. That is to say, H did not remit money, but directly gave the application form to J, which made the other party mistakenly think that he had paid the money.
At this time, J found that he might have been cheated.
However, he still felt a little lucky and immediately contacted H, saying that he had not received the money and deliberately said that the goods had started to be produced. However, the other party suddenly said that unless the price was reduced, the order would be cancelled
So far, J responded, "Because the goods are cut according to the specifications required by H, no one will ask for them except him. H just wants to set up a set for me and cheat me with a fake receipt. After my big goods are ready, he will ask me to sell them at a low price, and later found that he has contact with other suppliers. Even if my order is not successful, he will not lose anything“
How to avoid and prevent "fake remittance sheets"? What should we pay attention to in foreign trade collection?
1、 Check whether the collection information is correct
(1) After receiving the receipt, first check whether there is any obvious alteration or PS trace, and then carefully check the names, account numbers and amounts of both parties, especially whether the information of the collection account is correct.
(2) The content of the voucher is not only to check the name, account number and amount of the payer, but also to check the bank seal, the processing date and the value date of the remittance. It should be checked clearly when received;
When many people see the print date at the top of the voucher and the remittance application date in the form, they think it represents the date of capital remittance. In fact, it is not! The voucher is just a remittance application form. After the customer initiates the outward remittance application at the remitting bank, the remitting bank needs to send the MT103 message to complete the execution. There is a time difference between the payment bank accepting the transaction and executing the transaction.
2、 Shipment after confirming payment arrival
To be on the safe side, foreign trade bosses can ask customers to provide MT103 message when they provide the remittance sheet. The message contains specific information such as the bank's payment schedule and remittance amount.
And finally, if you had been scammed by such type of fraud, do remember to contact a lawyer to help you.